Latest news in Capital accumulation plans

Disturbing Behaviour

The DC Investment Forum, hosted by Benefits Canada and held in Toronto, was an educational event that brought together plan sponsors, providers, consultants and academics…

Cautious Investors Still Contributing to RRSPs

While many investors are worried that their RRSPs will be affected by the market downturn, a new survey shows that most investors aren’t panicked enough…

Dreaming Big

CAP sponsors and retiring plan members face the downside of economic and market cycles—but there is hope. Imagine that you are about to retire under…

Rational investment decision-making for CAP sponsors

About a year ago, as financial markets were down—or so we thought at the time—I was writing on the importance of proactively communicating with and…

Education the Best Weapon Against Volatility

Plan sponsors and money managers fielding panicked calls by plan members should be investing in continuous education efforts to keep their clients focused on long-term…

  • By: Jody White
  • September 15, 2008 September 13, 2019
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Group TFSA Communication Strategies

While the new tax-free savings account (TFSA) was well-received by the financial industry, the majority of Canadians have no idea what it is, according to…

  • By: Jody White
  • September 11, 2008 September 13, 2019
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Pension Regulation an Obstacle

Fragmentation of pension regulations, inconsistent governance procedures and uncertainty regarding legal risk exposures are causing problems for more than two-thirds of Canadian plan sponsors, according…

  • By: Jody White
  • September 4, 2008 September 13, 2019
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U.S. Rollover Assets to Double by 2013: Study

As more U.S. workers transition to retirement over the next five years, the value of assets they roll over from group retirement plans into advisor-sold…

  • By: Mark Noble
  • September 4, 2008 September 13, 2019
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One Step at a Time

One Step at a Time September 01, 2008 | Brooke Smith DC plan sponsors are encouraging members to look at the bigger picture when saving…

The Waiting Game

With much talk about Canadians having to save for retirement, or Canadians not saving enough for retirement, the tax-free savings account (TFSA)—a new vehicle that…

Retirement 2.0

The retirement industry has been slow to embrace the opportunities of the internet, until now. A new website has brought retirement planning and administration fully…

  • By: Jody White
  • August 21, 2008 September 13, 2019
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Which is Better: DB or DC?

There is always much debate about whether being part of a defined benefit (DB) or defined contribution (DC) pension plan is better. People who wish…

  • August 6, 2008 September 13, 2019
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Challenges of Designing an Effective DC Plan

Designing an effective program is not easy. Experience shows that employee engagement in defined contribution (DC) plans is often low and leads to low participation…

Financial Advice for Plan Members

The average plan member is by no means a financial expert, and the choices offered by many service providers can leave some members bewildered and…

  • By: Jody White
  • July 8, 2008 September 13, 2019
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How the TFSA may change the pension landscape

How the TFSA may change the pension landscape

In its last budget, the federal government introduced the tax-free savings account (TFSA), a completely new tax-sheltered investment vehicle. Although presented more in the context…

Group Tax-Free Savings Accounts on the Way

The tax-free savings account (TFSA) is expected to be a hit when it comes into effect in 2009, but it seems individual Canadians won’t be…

  • By: Jody White
  • July 2, 2008 September 13, 2019
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On Target?

Faced with the age-old problem of plan member disengagement and the heightened risk of employee litigation, plan sponsors are starting to turn to target date…

A Guide to the Glide Path

Glide path philosophy has become a big issue in the U.S., confirms Janet Rabovsky, practice leader, investment consulting, with Watson Wyatt Worldwide. While each target…

90% of Retirement Income is from Investment Returns

For those who believe that investment contributions during the working years constitute the bulk of retirement income, think again. New research suggests that up to…

  • By: Jody White
  • May 29, 2008 September 13, 2019
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Rise in U.S. Pension Litigation Expected to Continue

The explosion of defined contribution (DC) plan litigation in the United States is likely to continue, but Canada should not expect a similar trend anytime…

  • By: Jody White
  • May 15, 2008 September 13, 2019
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Build a Better Default

Traditionally, money market funds have been the most popular default fund in defined contribution (DC) pension plans but now that people are living longer, and…

CAPs Require a Change in Focus

Capital accumulation plan (CAP) members need to learn how to shift from building wealth to preserving wealth and lifestyle, and it’s up to plan sponsors…

TFSAs Explained

Although tax-free savings accounts (TFSAs) won’t be implemented until January 2009, employers need to start thinking how, or if, this new savings vehicle will complement…

DC Plans in Need of Review: Report

The defined contribution and group RRSP plans currently available to Canadians will provide inadequate retirement income and a comprehensive analysis of the industry is needed,…

Of DC plan benefits adequacy and employer contributions

A lot has been said on member engagement, education and investment performance, but it often seems like plan design and employer contribution rates are (relatively)…